An automobile is a necessity, a piece of property, and an expense, but you must still consider and note that a car is a potentially dangerous item. When driving, the most important consideration is insurance. Any driver must have Altoona PA car insurance.
However, many drivers aren’t well-versed in the intricacies of insurance.
Your vehicle can be destroyed as a result of someone else’s carelessness. A car colliding with yours, you swerve to avoid a jaywalker and hitting a wall, or even a stray cricket ball-breaking your windshield can all cost you a lot of money. If you have auto insurance, though, you won’t have to pay for these repairs out of pocket.
Aside from the statistics, the best advice for drivers looking for cheap car insurance quotes in Altoona PA is to shop around. While no single insurer would be the most cost-effective for every driver, this research will provide a good starting point for your quest.
The Best Cheap Car Insurance Companies In Altoona PA
According to several research, USAA has the most affordable car insurance quotes in Altoona PA.
You can save money by choosing cheap car insurance in Altoona PA. Also, if you’re a professional driver with a clean driving record, you’ll have a good chance of getting the best rates and being completely protected.
In Pennsylvania, a minimum liability policy includes damages to the property or individual of the other driver, as well as a limited amount of coverage for your own injuries.
Among sample companies – Pennsylvania driver pays an average of $235 per month in USAA, which is 44% less than the state average of $587 per month.
Another good choice will be Erie, with an average of $328 per month.
| Company | Monthly Payment |
| USAA | $235 |
| Erie | $328 |
| State Farm | $562 |
| Nationwide | $671 |
| Allstate | $745 |
| Travelers | $789 |
| Average | $861 |
| Geico | $973 |
| The Hartford | $1,075 |
| Plymouth Rock Assurance | $1,164 |
Average Cost Of Car Insurance In Altoona PA
The average cost of car insurance in Altoona, Pennsylvania is $1,627 a year. One of the major factors that influence insurance costs is where you live in Pennsylvania. Cities with a higher population or more claims tend to pay a little more, while places with lower crime rates and fewer weather claims tend to get better rates. Remember to check all the companies available to choose the best affordable car insurance quotes in Altoona PA.
Altoona PA Auto Insurance Requirements
Those who are willing to drive in Altoona PA, must have the following minimum Altoona PA car insurance coverage:
- $5,000 in “financial insurance” compensation, which covers the medical bills (or the medical bills of someone else covered by the policy’s terms) following an accident, regardless of who was at fault.
- When you cause an accident, you’ll be responsible for $15,000 in bodily injury liability per injured person
- $30,000 in overall bodily injury liability per accident (if you’re at fault)
- And $5,000 in property damage insurance per incident (if you’re at fault).
Certain all-purpose auto insurance plans are also accepted in Altoona PA, as long as the overall coverage is at least $35,000.
Remember that if you are found to be at fault for a vehicle accident, and the losses of the injured drivers and/or passengers surpass the limits of the car insurance policy (which isn’t impossible if you’ve just met Pennsylvania’s minimum coverage requirements), you could be held directly liable for the difference out of your own properties.
How To Get Cheap Car Insurance Quotes In Altoona PA?
Maintaining a clean driving record is the only way to get cheap car insurance quotes in Altoona PA. Drivers that pose a low risk to insurance firms are compensated with lower premiums, so avoiding speeding tickets, accidents, and DUIs will save you money.
Increase Your Deductibles
When purchasing cheap auto insurance in Altoona PA, you normally have the option of choosing a premium, which is the amount of money you must spend before insurance can cover the cost of repairs in the case of an accident, burglary, or other forms of vehicle harm. It depends on the policy that deductibles can usually be from $250 and to $1,000. The high annual usually depends on the low deductible. Check with your agent how the affection of the premium can be caused by the deductible. It can make your annual premium much less. If you are hesitant to file minor claims because you don’t want your premium to go up, might your deductible could be a good idea.
Maintaining a Clean Driving Record For Several Consecutive Years
Probably it may be the most powerful method for lowering your monthly premiums. Your insurance company will view you as a greater risk if you have ever been accused of DUI, charged for a traffic infraction, or involved in an accident. Higher insurance rates are usually the result of this.
These are some of the pointers to help you make your driving record clean:
- First of all, observe all traffic laws;
- Never drive while under the influence of drugs or alcohol;
- Limit your time behind the wheel;
- Spending less time on the road reduces the chances of colliding or being disciplined for a traffic violation;
- Maintain your car, too, could the likelihood of a collision.
Consider Switching Auto Insurance Providers
Each auto insurance provider calculates rates differently, which is why the quotes you receive from one insurer can be vastly different from those from another. And the organization that provides one of the cheap auto insurance in Altoona PA, for your specific situation, can vary over time.
While it might be tempting to stick with the same carrier, compare quotes from other companies before renewing. This is particularly relevant if the insurance premiums have skyrocketed as a result of an accident or a DUI conviction.
Purchase A Vehicle That Is Cheapest To Insure
In Altoona PA car insurance quotes are usually being influenced by the year, make, and model of your car. Since different vehicles have different rates of accidents and theft, one vehicle can be a greater liability to insure than another. Look for a car that has a low number of injuries or claims. Cars with less horsepower are usually the easiest to insure because they rarely get into car accidents.
Opt For Less Car Insurance Coverage
Although choosing a lower level of insurance coverage will lower your premiums, you should proceed with caution. It takes a split second of distraction or a single danger to cause an accident, and if you are found to be at fault (or if the at-fault driver is uninsured), you might find yourself in serious financial trouble if your insurance coverage is inadequate.
It’s normally a smart idea to buy liability coverage that exceeds your state’s minimum requirements, as well as uninsured motorist coverage that meets your liability limits. Even if these suggestions only save you a few dollars per month on car insurance, over time, that small reduction might add up to significant savings. When your insurance policy is going to expire, use these five suggestions to free up some cash in your monthly budget.
Ask about discounts
There are a lot of cheap car insurance companies in Altoona PA, with a range of discounts, which can result in lower premiums for consumers who:
- Combining auto insurance with other plans, such as homeowners insurance, will save you money.
- With a single policy, you will cover multiple vehicles.
- Possess a spotless driving record.
- They must pay their entire annual or six-month premium in one lump sum.
- Accept to obtain documents through the internet.
- Invest in a vehicle with anti-theft or safety equipment.
- Are members of specific professional associations or affiliate organizations.
But, remember that you should always compare rates from different insurance companies to get the best.
Altoona PA Car Insurance For Drivers With A Good Record
If you are a safe driver, the insurance premiums are likely to be lower. Insurance companies understand that a safe driver is less likely to be involved in an accident than a driver who has committed traffic violations. You may also be eligible for auto insurance premiums if you’re a successful driver.
The longer you will go without a collision, the more likely you are to save money on your auto insurance.
Your car insurance quotes in Altoona PA are affected by the type of coverage you select, in addition to your good driving record. The following are three popular coverage options:
- Liability coverage is included in the state’s minimum coverage for Pennsylvania residents. If you have caused an accident, this can help you to protect other drivers on the lane.
- Standard coverage: A general insurance policy is commonly referred to as standard auto insurance coverage. You may have more coverage than the bare minimum required by law. The most popular form of coverage for an average driver is standard coverage.
- In addition to liability coverage, the full insurance coverage will provide you with additional protection. Comprehensive and collision protection is often included in a full-coverage policy.
- Comprehensive auto insurance covers almost all damage to your vehicle that isn’t caused by a wreck. Theft, vandalism, and dropping branches from trees are all covered by many robust policies.
- Collision coverage ensures the car against damage caused by a collision with another object. As an example, suppose you rear-end another driver by mistake. Your property damage insurance policy contributes to the cost of their car repairs, but not your own. Collision compensation assists you in covering the cost of damage to your car. It is also possible that you can use as well crash compensation if you back into a tree or have any non-motor vehicle accidents.
| Company | Monthly Payment |
| Allstate | $1,875 |
| Nationwide | $1,962 |
| Plymouth Rock | $2,089 |
| State Farm | $2,175 |
| Travelers | $2,261 |
| Progressive | $2,389 |
| Plymouth Rock Assurance | $2,462 |
Altoona PA Cheap Car Insurance Quotes For Young Drivers
Because of their lack of experience on the road, new, young, and teen drivers are often considered risky. As a result, some insurers may charge higher premiums to young and inexperienced drivers, but if you look around, you will find more affordable car insurance quotes in Altoona PA, but from other insurers.
Curfews, mobile device limits, and passenger age requirements are among the unique driving restrictions that new drivers must adhere to. Before you hit the lane, make sure you’re familiar with these rules.
In Pennsylvania, full coverage car insurance for a young driver costs $3,041 per year, which is almost two times more than adult drivers.
Young drivers in Altoona, Pennsylvania, who have a clean driving record, will qualify for a successful driver discount. The following companies can offer the best rates to young Pennsylvanians looking for affordable car insurance quotes in Altoona PA.
| Company | Annual Payment |
| Erie | $2,387 |
| State Farm | $2,562 |
| Travelers | $2,689 |
| Allstate | $2,759 |
| The Hartford | $2,864 |
| Geico | $3,187 |
| Nationwide | $3,285 |
| Progressive | $3,461 |
These are several firms that provide affordable car insurance quotes in Altoona PA, for young drivers.
Cheapest Minimum Coverage For Young Good Drivers In Altoona PA
According to researches, it offers the best rates in Altoona PA, for minimum liability insurance. In Pennsylvania, a minimum liability policy includes damages to the property or individual of the other driver, as well as a limited amount of coverage for your own injuries.
The average QBE prices for the sample Altoona PA drivers are $376, which is about half less than the state average of $625, or another great choice is Geico, with the price of $473.
Young drivers in Altoona, Pennsylvania, who only need the state’s minimum coverage can contact one of the following firms since they are cheap auto insurance companies in Altoona PA.
| Company | Annual Payment |
| QBE | $376 |
| GEICO | $473 |
| Penn National | $539 |
| Allstate | $587 |
| Nationwide | $684 |
| Travelers | $789 |
| Donegal | $875 |
| Auto-Owners | $963 |
Cheap Car Insurance In Altoona PA After A Speeding Ticket
Drivers in Altoona, Pennsylvania who have earned a speeding ticket will pay at least 13% more on average than those who have a clean driving record. Every state’s legislation encourages drivers to keep their vehicle’s speed under control. Speeding drivers are often seen as high-risk drivers with high insurance premiums.
It will take some time to clear the record of a distracted driving accident. Meanwhile, the insurance premiums will rise. With a little digging, you can find cheap car insurance with a ticket in Altoona PA. You should get several quotes and inquire about ways to reduce your cost, such as taking a driver’s education course.
And speeding tickets may have a variety of consequences for different individuals. However, the more your speed is —and the faster you will go—the more points you’ll accrue on your driver’s license. In the so-called car insurance game, more points equal that you will have to pay more money. If you are wondering what the most effective way to cut costs is, then see if there is a discount program available.
Here are a few firms that provide low-cost auto insurance for speeding drivers in Altoona, Pennsylvania:
| Company | Annual Payment |
| Geico | $1,649 |
| Erie | $1,782 |
| Penn National | $1,895 |
| Allstate | $1,964 |
| Nationwide | $2,187 |
| Progressive | $2,285 |
| USAA | $2,361 |
| State Farm | $2,489 |
Cheap Car Insurance In Altoona PA After A Car Accident
Your “affordable” car insurance quotes in Altoona PA would be likely to rise by 50% if you are a Pennsylvania driver who has recently been involved in an at-fault accident. Erie is your best bet for low-cost coverage: according to Erie quotes in Pennsylvania, the firm costs $1,404 a year and $117 per month. That is the best choice since it is 47% less than the average cost of insurance for Pennsylvanians in an at-fault accident, which is known to be about $2,648 a year.
Customers should be mindful that following an at-fault accident, insurance providers increase premiums to varying degrees. According to several types of research, Erie only increases premiums by 4%, from $1,354 before an accident, which can rise to $1,404 after an accident. Geico, on the other hand, is raising prices by about 82 percent, from $2,357 to $4,300.
Because of these differences, drivers will have to shop around, particularly if their driving record has changed. If you stick with your new insurer, you might be missing out on big savings.
Customers should be mindful that following an at-fault accident, insurance providers increase premiums to varying degrees. It is strongly advised for drivers to shop around, particularly if their driving record has changed. If you stick with your new insurer, you might be missing out on big savings.
| Company | Average Rates |
| Erie | $1,489 |
| State Farm | $1,675 |
| Progressive | $1,789 |
| Allstate | $1,856 |
| Travelers | $1,974 |
| The Hartford | $2,189 |
| Nationwide | $2,275 |
| Farmers | $2,486 |
Cheap Auto Insurance Quotes In Altoona PA After A DUI
A DUI conviction has a major impact on your auto insurance quotes in Altoona PA. If the driver is ever caught driving under the influence, his or her insurance premiums could skyrocket. A driver who has had a DUI is considered a high-risk driver, and as a result, their auto insurance premiums are higher.
According to the report, DUIs lift average premiums by 35% in Pennsylvania. Drivers who have a DUI on their record will get the most affordable coverage only from State Farm. Its prices are about 38 percent less high than the state average, at $1,514 per year and $126 per month.
Court fines, reinstatement fees, SR-22 filing, and years of paying extra for auto insurance are just a few of the consequences of a DUI. Finding affordable auto insurance in Altoona PA, with a DUI is quite a difficult task. If you’re having trouble finding an affordable rate, consider just bringing liability coverage to save money.
Here is a list of companies that provide the lowest in cost insurance to Altoona PA DUI drivers:
| Company | Annual Payment |
| State Farm | $1,514 |
| Geico | $1,687 |
| Allstate | $1,751 |
| Progressive | $1,892 |
| Travelers | $1,976 |
| The Hartford | $2,089 |
| Nationwide | $2,165 |
| Erie | $2,287 |
Cheap Auto Insurance Quotes In Altoona PA For Minimum Coverage
Some people can tell the difference between a good deal and a great deal. As a result, they are looking for the best auto insurance provider for their car. You’ll need to consider a few factors to determine which company is the best in your market. The company’s reliability score, efficiency, and health are the most important factors.
Based on all of the variables, the following is a list of the top companies in Altoona PA that offer the cheapest minimum car insurance rates:
| Company | Annual Payment |
| Erie | $571 |
| Geico | $642 |
| Nationwide | $689 |
| Travelers | $751 |
| The Hartford | $794 |
| Auto-Owners | $845 |
| Allstate | $897 |
| Progressive | $965 |
Cheap Car Insurance Companies In Altoona PA For Drivers With Bad Credit Score
If your credit score is poor, your quotes will almost certainly reflect this, with higher rates. You should double-check your credit report to lower your rates. If there are any mistakes, work to correct them as soon as possible before consulting with your insurance agent again. As well, ask a few insurance providers why they have the credit report and how they use it.
Some insurers will penalize you more because of having bad credit than others, so get many customized quotes to find cheap car insurance with bad credit.
You will save money in Altoona PA auto insurance if you have a decent credit score. A low credit score, on the other hand, can be a result, which will be seen in higher insurance premiums. You don’t have to pay more for insurance because of your poor credit score — this is the standard charge you make for insurance. Before you start finding the best cheap car insurance in Altoona PA, you should search for ways your credit score can be improved.
| Company | Annual Payment |
| Geico | $1,689 |
| Travelers | $1,845 |
| Erie | $1,963 |
| Nationwide | $2,148 |
| Progressive | $2,275 |
| Auto-Owners | $2,387 |
| State Farm | $2,435 |
| Allstate | $2,489 |
Cheapest Car Insurance Companies In Altoona PA For Seniors
In Pennsylvania, you can find that there are many opportunities for low-cost auto insurance for seniors. On the basis of their experience and expertise on the lane, senior drivers with a clean driving record will easily find a good offer. As we grow older, however, we face new physical, visual, and mental challenges. According to the National Highway Traffic Safety Administration, drivers over the age of 65 were responsible for 15.9% of all fatal accidents caused in the state.
Adults over the age of 45 in Altoona, Pennsylvania, are being retested to ensure that they are able to drive safely. Prior to their driver’s license renewal, drivers are selected at random and must undergo a vision and physical test. A driver’s examination and awareness test may be needed, depending on the results.
The best option will be a USAA insurance company with a $1,054 annual payment for seniors.
| Company | Annual Payment |
| USAA | $1,087 |
| State Farm | $1,265 |
| GEICO | $1,396 |
| Allstate | $1,419 |
| Travelers | $1,487 |
| The Hartford | $1,562 |
| Erie | $1,651 |
| Nationwide | $1,784 |
Who Offers A Cheap Car Insurance In Altoona PA For Married Couples?
Married drivers in Altoona PA will pay much less (about $110) on average for full coverage car insurance than single drivers.
It is known, particularly because that married drivers, statistically, have fewer injuries than single drivers, so insurance providers would not protect them. Check out Erie for auto insurance if you’re a married Altoona PA driver. This will be a good option.
Total coverage costs $1,307 per year and $109 per month for married drivers, which is $385 less than the state average of $1,692.
Another good option is a State Farm insurer, whose annual coverage usually costs $1,387 and is less than Progressive, which is $1,540
Based on all of the variables, the following is a list of the top companies in Altoona PA that offer the cheapest minimum car insurance rates for Married Couples:
| Company | Married Couple Rates |
| Erie | $1,307 |
| State Farm | $1,387 |
| Progressive | $1,540 |
| Nationwide | $1,692 |
| Allstate | $1,789 |
| The Hartford | $1,865 |
| Plymouth Rock Assurance | $2,167 |
But don’t forget to check by yourself to find the best and cheap car insurance companies in Altoona PA.
What Are The Different Types Of Altoona PA Auto Insurance Coverage?
Liability coverage
There are two forms of liability insurance for automobiles:
- If you are considered to be at fault in an accident, bodily injury insurance coverage extends to the other party’s medical expenses. It can also cover missed income and/or legal costs if the injured party files a lawsuit in some cases.
- Damages to property caused by an insured accident in which you are at fault are covered by property damage liability coverage. It will cover the costs of repairing or replacing the other party’s car, as well as other property that was destroyed in the crash, such as walls, structures, phone poles, and other forms of property.
Medical payments coverage
Medical payments compensation, no matter who caused the accident, provides for the care of injuries for you or your passengers sustain in a car accident. It also covers medical expenses if you or a member of your family is struck by a car while walking or riding in someone else’s car.
Medical Payments should usually offer many of the same advantages like health insurance.
Original parts replacement
It ensures that aftermarket parts are not used when your car is repaired. Original parts replacement insurance is vital because your vehicle can be fixed with new original parts that were designed and engineered specifically for your car’s model. If using original parts to maintain your vehicle is important to you, having an additional OEM endorsement will help you get the parts you need when they become available.
Towing and labor insurance
Towing and labor coverages and limits may vary by carrier, but it usually pays for towing your car to a repair shop when it can’t be driven and covers a fixed amount of required labor charges at the breakdown location.
Shortly, wowing and labor coverage is an add-on to your auto insurance that usually covers some of the costs and inconveniences associated with common roadside breakdowns like dead batteries, flat tires, or even an embarrassing lockout.
Gap insurance
Gap insurance covers drivers who have purchased or rented their vehicles and owe more to them than the vehicle is worth.
Shortly, gap insurance will cover that difference between the value of the car when it’s totaled or stolen and the remaining amount on its loan or lease. Though it may seem to refer to this distinction, the term “gap” simply refers to “guaranteed asset security.”
In order to purchase gap insurance, you will need accident and comprehensive coverage.
Roadside Assistance
When your car breaks, roadside assistance will help you get back on the road, and almost every auto insurance policy includes it.
Most auto insurance firms work with a network of businesses to offer direct roadside assistance or to arrange services on behalf of their customers.
When you call for roadside assistance, the company will send the nearest and most qualified service provider to your location.
Major Parts Replacement Coverage
Significant parts such as tires, brakes, and batteries can be replaced without penalty, regardless of wear and tear or depreciation value at the time of the accident, thanks to the Major Parts Replacement Coverage.
Comprehensive insurance
Comprehensive insurance is a type of auto insurance that protects the vehicle from accidents that aren’t caused by a collision with another vehicle. It is expected on leased vehicles as well as vehicles that are currently being financed. Comprehensive car insurance is supplemental, which means it is an add-on plan that can be applied to an existing policy.
New Car Replacement
If you have a new vehicle replacement policy, it will cover the cost of replacing your brand-new car in the event of a collision. You must normally have comprehensive and collision insurance on a brand-new car to apply for this form of policy. If you total your vehicle within the first one to three years after purchase, the insurance provider will cover a brand-new version of the same make and model under the terms of your policy. In most cases, the policyholder is only responsible for the deductible.
Uninsured motorist insurance
Uninsured motorist benefits will help you pay for medical bills or property damage incurred by an uninsured driver. In some states, uninsured motorist bodily injury compensation is mandatory, while in others, it is optional. Uninsured motorist property loss compensation is also available in some jurisdictions.
Is Altoona PA Auto Insurance A No-Fault City?
The city of Altoona, Pennsylvania, uses a “no-fault” auto insurance scheme in some form. When a car accident happens, it doesn’t matter who is at fault. Your own car insurance coverage (specifically, your “personal injury protection” or “medical benefits” coverage) covers for medical treatment and any out-of-pocket losses incurred by those covered under the policy, up to coverage limits. The injuries you get should meet certain thresholds that are being set by state statute in order to file a third-party insurance claim or a complaint against the at-fault driver outside of the no-fault scheme.
When it comes to no-fault states, Pennsylvania is unusual in that car owners will essentially “opt-out” of the no-fault scheme when purchasing a car insurance policy.
When it is about opting in or out of coverage, Pennsylvania Statutes Title 75 section 1705 allows insurance providers to notify consumers of their choices.
Ways To Reduced Rates In Altoona PA Car Insurance
We would all like to get the best coverage from one of the best Altoona PA car insurance companies at a low, reasonable price. Although you can never compromise efficiency in order to save a few bucks, there are many ways to reduce your car insurance premium and get in Altoona PA cheap car insurance.
Here are six ways, which might be able to save your money on your auto insurance:
- Bundle your car insurance with other policies
- Consider raising your deductibles
- Pay your car insurance policy in full
- Try usage-based car insurance
- Monitor price changes to your policy
- Shop for better insurance rates
Good Drivers Car Insurance Discounts In Altoona PA
When looking for protection, it’s always a good idea to inquire about discounts from your car insurance provider.
Most Altoona PA car insurance companies will have discounts.
These discounts will be helpful when saving money on your insurance, but the best way to keep your premiums down is to drive responsibly and follow all traffic rules.
- Multiple policies.
- Multiple cars.
- Safety features (airbags).
- Paid-in-full status.
- Good driver status.
- Good student status.
- Homeowner’s
- Students with good grades
- Ownership/title
- Anti-theft
Car Insurance Altoona PA Questions And Answered
My car is damaged, and I need transportation. Can I rent a car in Altoona PA?
First of all, you should check your insurance policy to see if you’re covered for a rental car. If that will be possible, then you’ll be able to hire a car, but you’ll likely have to pay the difference between the sum covered by your insurance and the actual cost of renting a car. You may be reimbursed later. If the at-fault party admits fault, their insurance will cover the cost of a rental car.
What does Full Coverage Insurance Cover?
Although liability insurance can protect those people and vehicles where you caused damage, full affordable car insurance coverage in Altoona PA can protect both you and your car. Comprehensive and accident insurance are two separate forms of coverage that are in one insurance package. Comprehensive compensation will pay for the damage to other vehicles caused by events other than driving, such as weather, fire, robbery, or any other. Collision coverage pays for damage incurred by you while driving, such as a collision with another car, colliding with an object, or driving off the road. The difference between collision and comprehensive insurance is that comprehensive insurance would cover damage to your car if a tree fell on it, whereas collision insurance would cover damage to your car if you were driving and hit a tree.
What are the Major Differences Between Full Coverage and Liability?
My plate was suspended because of a lapse in coverage over 30 days. I want to transfer this plate to a new vehicle I purchased. Can I do this?
You should move the plate to a new vehicle since the suspension follows the vehicle rather than the plate. The credit for serving the suspension on your old car, on the other hand, will not start until the day the plate is moved. The record suspension would be lifted if the plate was transferred within 30 days of the insurance cancellation.
Should I seek medical help after an accident in Altoona PA?
It is important to mention that you should always visit the doctor after every accident that happened because you may feel light-headed or have a sharp pain in your abdomen. These symptoms could indicate a traumatic brain injury (TBI) or internal bleeding. Some victims mistake the discomfort for something less severe. Make a follow-up appointment with your personal physician after you’ve seen your doctor. It is often preferable to be healthy rather than sorry. Even if you feel that you are all right. Checking yourself is important because only a doctor can make a diagnosis.
What are the risks of changing insurance companies?
First of all, it is important to understand that an insurance provider has 60 days to underwrite and investigate the claim. Within the first 60 days, the insurer has the right to deny or cancel the coverage for a variety of reasons. The corporation, on the other hand, cannot deny anyone based on their age, marital status, profession, or any other unjustly discriminatory factor.
